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APPROVING BANK: Atlantic Federal CU
BUREAU PULLED: EX
CREDIT SCORE: 753 - I gulped quite a bit of air at that when CS rep told me what the score they pulled was
CUSTOMER STATE OF RESIDENCE: NJ
NEW/USED: New / Used
YEAR OF VEHICLE: 2017 / 2013
MAKE: Chrysler / Chrysler
MODEL: Pacifica Touring with 8.4 navi, auto Liftgate / 300
MILEAGE: 0K / 25K
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 38K for new, and 21.5K for refi
TERM CONTRACTED: 84m / 72m
APR/LEASE RATE: 2.99 / 2.99
MONTHLY PAYMENT: 490 / 327
ANNUAL INCOME: 100K+
DEBT TO INCOME RATIO: 12%
MISCELLANEOUS COMMENTARY: I have no idea what score they pulled as none of my score come close except for myfico 9, which i doubt is in use. My guess is they have their own internal model that is not FICO as all my auto fico 8s are around 715ish and my auto FICO 5s/4s/2s are even lower. I believe they are only open to folks in Union & Essex County NJ. Better rate than DCU (4.2 for new, and 3.49 for refi), WFCU (4.99 for new), Affinity Plus CU (4.99 new), NFCU (5.03 new).
Will probably ask Chrysler Capital to match or do better depending on rebate offers..Might get anywhere between 500 to 2500 in rebates
And they threw in a 5K CC just for fun... I told them if they could make it a LOC, i'd take that instead. they said they are working on it. I have enough ccards as it is. No more crdit cards for me. Only CLIs and possibly other LOCs from now on...
APPROVING BANK: PenFed
BUREAU PULLED: Equifax
CREDIT SCORE: Didn't check.
CUSTOMER STATE OF RESIDENCE: KS
NEW/USED: New
YEAR OF VEHICLE: 2016
MAKE: Toyota
MODEL: 4Runner
MILEAGE: 3
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $15,000
TERM CONTRACTED: 60 months
APR/LEASE RATE: 1.99%
MONTHLY PAYMENT: $263
ANNUAL INCOME: $65,000
DEBT TO INCOME RATIO: 0
APPROVING BANK: BMW Financial
BUREAU PULLED: Experian FICO Auto V8
CREDIT SCORE: 765
CUSTOMER STATE OF RESIDENCE: PA (purchased in NJ)
NEW/USED: New
YEAR OF VEHICLE: 2016
MAKE: MINI
MODEL: Hardtop 2 door
MILEAGE: 21
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $22,708
TERM CONTRACTED: 72 mo
APR/LEASE RATE: 1.9 %
MONTHLY PAYMENT: $334/mo.
ANNUAL INCOME: $57k
DEBT TO INCOME RATIO: ? (30's?)
MISCELLANEOUS COMMENTARY: I went in with a preapproval from my credit union and the dealer beat the rate. I put $3k down. I'm so happy about this purchase. Its such a fun car.
@Quest4Greatness wrote:APPROVING BANK: BMW Financial
BUREAU PULLED: Experian FICO Auto V8
CREDIT SCORE: 765
CUSTOMER STATE OF RESIDENCE: PA (purchased in NJ)
NEW/USED: New
YEAR OF VEHICLE: 2016
MAKE: MINI
MODEL: Hardtop 2 door
MILEAGE: 21
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $22,708
TERM CONTRACTED: 72 mo
APR/LEASE RATE: 1.9 %
MONTHLY PAYMENT: $334/mo.
ANNUAL INCOME: $57k
DEBT TO INCOME RATIO: ? (30's?)
MISCELLANEOUS COMMENTARY: I went in with a preapproval from my credit union and the dealer beat the rate. I put $3k down. I'm so happy about this purchase. Its such a fun car.
Did you get double tax? Live in pa also just asking wasnt sure how that work
No, I was just charged PA tax at 6%. I made sure of it. The NJ tax rate is 7%
APPROVING BANK: Teachers FCU
BUREAU PULLED: Transunion
CREDIT SCORE: 727 fico 8, 687 fico auto from them
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: USED
YEAR OF VEHICLE: 13
MAKE: Cadillac
MODEL: ATS
MILEAGE: 20000
RETAIL/LEASE: LOAN
AMOUNT OF LOAN: 26102 or very close
TERM CONTRACTED: 72
APR/LEASE RATE: 2.49
MONTHLY PAYMENT: 391
ANNUAL INCOME: 33K
DEBT TO INCOME RATIO: who knows ? no other installment loans & no rent or anything else paid. I'd say 15-20%
MISCELLANEOUS COMMENTARY: Girl I know just got approved for her first car loan @ 21. Clean somewhat thick file (13 credit cards opened over past 2 years, 4 closed). Scores all 720+ with no previous installment loans
Nice! This one wasn't lucky her parents don't have stellar credit so she's never had AU's. I recommended her first cap1 card two years ago and she's built from there.
I wish it was my ATS, I just listed my 2016 A4 for sale which I plan on replacing with a new/used ATS.
I was honestly surprised to see no issues financing, they also financed @ 100% of the purchase price with $0 down. Penfed had also offered 60 months @ 2.99 vs the 72 @ 2.49.
Approving bank: PenFed
Bureau pulled: used EQ pull from April 1st.
Credit score: 740
State: Alabama
New/used: used
Year of vehicle: 2010
Make: Honda
Model: Civic
Mileage: 30,000
Retail/lease: retail
Amount of loan: $7500
Term of contract: 48 months
Apr/ lease rate: 2.49%
Monthly payments: $165
Income: $65k
Buying this car for my step daughter. She'll make the payments. It's a true little old lady owned it vehicle.
Paying $7200 for the vehicle, it's worth $12,000. Car avg $5k miles a year. PenFed used the same pull I initiated to buy my 2016 Honda Civic EX-T with last month.